Midwinter has updated the default assumptions used for long-term projections in AdviceOS.

Midwinter regularly reviews and updates the default assumptions to ensure projections in AdviceOS are kept in-line with the changing economic environment and interest rates.

These assumptions, intended for long-term projections have been provided by an external actuarial firm based on current economic data and forecasts. They impact all modules within AdviceOS that use modelling, including the Product, Insurance and Strategy modules.

The new default assumptions came into effect on 4 March. These are only applied to Practices that use the default Midwinter settings; there is no impact to Practices and Licensees that use their own custom assumption settings.

You can find the assumption settings in AdviceOS by navigating to Settings > Risk Profiles > Default Settings.

Questions & support 

If you have any questions or need support with the default assumption settings, please email [email protected] or call 1300 882 938 Monday to Friday between 8:30 – 6:00pm AEDT.


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